Information processing device, information processing method, and program

Abstract

To determine or assist in determining conditions simply and accurately, while considering the burden of the determination process. [Solution] An information processing device comprising: an acquisition unit that acquires a request to confirm whether a user satisfies setting conditions defined by a service different from the electronic payment service; a determination unit that determines whether user information associated with the user identification information stored in a storage unit managed by the electronic payment service satisfies the setting conditions; and a processing unit that, if at least the determination satisfies the setting conditions, adds a fee for the determination to the different service.

Description

Technical Field

[0006] , , ,

[0005] , , ,

[0001] The present invention relates to an information processing apparatus, an information processing method, and a program.

Background Art

[0002] Conventionally, a technique for performing age confirmation and then settlement has been disclosed (see, for example, Patent Document 1). For example, when performing settlement for a product subject to age confirmation, a technique for displaying a screen for age confirmation to perform age confirmation has been disclosed.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the conventional technology, the load for determining conditions such as age confirmation may not have been considered.

[0005] The present invention has been made in consideration of such circumstances, and an object thereof is to provide an information processing apparatus, an information processing method, and a program that can simply and accurately determine or assist in determining conditions while considering the load of determination.

Means for Solving the Problems

[0006] One aspect of the present invention is an information processing device comprising: an acquisition unit that acquires a request to confirm whether a user satisfies setting conditions defined by a service different from an electronic payment service; a determination unit that determines whether user information associated with user identification information stored in a storage unit managed by the electronic payment service satisfies the setting conditions; and a processing unit that, if at least the determination satisfies the setting conditions, adds a fee for the determination to the different service. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, and a program that can easily and accurately determine or assist in determining conditions while taking into consideration the burden of determination. [Brief explanation of the drawing]

[0008] [Figure 1] This diagram shows an example of a configuration for implementing an electronic payment service. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payments. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payments. [Figure 4] This is a diagram showing the configuration of payment server 100. [Figure 5] This figure shows an example of the contents of user information 172. [Figure 6] This figure shows an example of the contents of merchant / store information 176. [Figure 7] This figure shows an example of the contents of condition information 178. [Figure 8] This figure shows an example of the contents of linked information 180. [Figure 9] This diagram illustrates the process of linking accounts. [Figure 10] This diagram shows the interface screen IF1 that the service server 200 displays on the display unit of the user terminal device 10. [Figure 11]It is a diagram showing the interface screen IF2. [Figure 12] It is a diagram showing the interface screen IF3. [Figure 13] It is a diagram showing the interface screen IF4. [Figure 14] It is a diagram showing the interface screen IF5. [Figure 15] It is a flowchart showing an example of the processing flow executed by the service server 200 and the payment server 100. [Figure 16] It is a diagram showing an example of the content of the consideration information 182. [Figure 17] It is a diagram for explaining the web payment process. [Figure 18] It is a diagram showing the interface screen IF11 that the payment server 100 causes to be displayed on the display unit of the user terminal device 10 when the payment button is pressed. [Figure 19] It is a diagram showing the interface screen IF12. [Figure 20] It is a diagram showing the interface screen IF13. [Figure 21] It is a flowchart showing an example of the processing flow executed by the service server 200 and the payment server 100. [Figure 22] It is a diagram showing the interface screen IF21. [Figure 23] It is a flowchart showing an example of the processing flow executed by the service server 200 and the payment server 100. [Figure 24] It is a diagram for explaining the consideration.

Mode for Carrying Out the Invention

[0009] Hereinafter, embodiments of an information processing apparatus, an information processing method, and a program of the present invention will be described with reference to the drawings. Various apparatuses such as "servers" that appear below for providing services to users or performing internal analysis may be realized by a decentralized group of apparatuses, and the operators of each apparatus may be different. Also, the holder of the hardware of the apparatus (provider of the cloud server) and the operator who actually operates may be different. The application program and the settlement server cooperate to provide an electronic payment service. In the following description, the application program is referred to as a payment application. The electronic payment service is a service that supports the settlement related to the purchase of goods and services in a store. A store is, for example, a physical store (actual store) existing in the real space, but may include a virtual store for e-commerce. The virtual store may include those provided by a subject different from the operator of the electronic payment service. In that case, when making a purchase settlement in the virtual store, it is controlled to transition to the interface screen of the electronic payment service. In the electronic payment service, a store is, for example, treated as belonging to a franchise (brand), and processing such as settlement when a purchase action is performed in the store is mainly carried out between the user and the franchise. Instead of this, processing such as settlement may be carried out between the user and the store.

[0010] [Electronic Payment Service] FIG. 1 is a diagram showing an example of the configuration of an electronic payment system in which an electronic payment service is realized. The electronic payment service is realized centering around the settlement server 100. An electronic payment system for realizing the electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, a settlement server 100, and one or more service servers 200. These devices communicate with each other via, for example, a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

[0011] Some or all of the functional components included in an electronic payment system may be distributed across multiple devices in any form, or integrated into any device. For example, some or all of the functional components of payment server 100 may be included in other devices.

[0012] [User terminal device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or tablet. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, the components for realizing these functions will be referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, the payment application 20 is executed by a processor such as the CPU, and it operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 is installed on the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc. A mini-application 30 may also run on the user terminal device 10. The mini-application 30 is an application program that runs within the payment application 20. The mini-application 30 is, for example, a mini-application for performing eKYC (electronic Know Your Customer). eKYC is a process that verifies identity using identity verification documents provided via a network. Mini-App 30 is an application that assists with tasks such as receiving identity verification documents and verifying identity using the received documents.

[0013] [Store Terminal Device #1] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 may include a so-called POS (Point of Sale) device, and the product price acquisition function and optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on paper or plastic media. The store code image 60 may also be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0014] [Second store terminal device] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet, personal computer, etc. The affiliated store interface 72 operates on the second store terminal device 70. The affiliated store interface 72 may be an affiliated store application or a browser. The affiliated store interface 72 accepts coupon settings etc. from the affiliated store operator and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image by running the affiliated store application, or reading a code image displayed by the user terminal device 10.

[0015] [Payment Server] The payment server 100 implements electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and a merchant server, in which case payment information is transmitted from the POS device to the payment server 100 via the merchant server. In the following description, this distinction will not be made, and it will be assumed that payment information is transmitted from the first store terminal device 50.

[0016] Figures 2 and 3 are sequence diagrams illustrating the general flow of electronic payments. There may be two patterns for electronic payments: Pattern 1 and Pattern 2.

[0017] In the case of Pattern 1 shown in Figure 2 (hereinafter referred to as User Scan), the user terminal device 10, with the payment application 20 running, decodes the store code image 60 using its optical reading function (S1). The store code image 60 contains information about the store URL (Uniform Resource Locator). This store URL is an electronic payment service domain to which information that can identify the store has been added, and is associated with the merchant ID and store ID, etc., at the payment server 100 (described later). The payment application 20 sends the first payment information, including the store URL and account ID, to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the merchant ID and store ID corresponding to the store URL, obtains the merchant name and store name information (S3), and sends it to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen where the merchant name and store name are displayed (S5). The user terminal device 10 then generates second payment information, including at least the payment amount, and sends it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notification (information for displaying the payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). If the store code image 60 is displayed on a display placed in the store, the store code image 60 may include payment amount information as well as the store URL. In this case, the procedure for the user to enter the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Merchant name and store name information may be included and displayed on the payment completion screen.

[0018] In the case of Pattern 2 shown in Figure 3 (hereinafter referred to as Store Scan), when the payment app 20 is launched, when a payment operation is performed in the payment app 20, when it is time for an automatic update (for example, every minute), and at other times, the payment app 20 sends a request to the payment server 100 to issue a one-time code (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image such as a QR code or barcode that was generated based on the one-time code (S14). The user holds the display surface of the user terminal device 10 over the first store terminal device 50 (presents it), and the first store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). Then, the first store terminal device 50 generates payment information including the one-time code, payment amount, merchant ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is obtained in advance by barcode scanning or manual input. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs the electronic payment (S17). The payment server 100 then sends a payment completion notification to the payment app 20 (S18), and the payment app 20 displays a payment completion screen (S19).

[0019] Furthermore, electronic payment may be performed using only one of the above patterns. Also, the "account ID" explained in Figure 2 may be other information that can be used as user identification information (for example, a phone number). In addition, the issuance of a one-time code may be omitted during store scanning, and the payment app 20 may display a code image generated based on the user's account ID. In that case, the payment server 100 will identify the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0020] [Payment Server Functional Configuration] Figure 4 is a diagram of the configuration of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a content provision unit 120, a payment processing unit 130, an information management unit 140, a determination unit 150, a processing unit 160, and a storage unit 170. Components other than the communication unit 110 and the storage unit 170 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), GPU (Graphics Processing Unit), and SOC (System On Chip), or by the cooperation of software and hardware. The program may be stored in advance on a storage device such as an HDD (Hard Disk Drive) or flash memory (a storage device equipped with a non-transient storage medium), or it may be stored on a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium) and installed on the storage device when the storage medium is inserted into the drive device. The information management unit 140 is an example of an "acquisition unit".

[0021] The storage unit 170 can be an HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may also be a NAS (Network Attached Storage) device that the payment server 100 can access via the network. The storage unit 170 stores information such as user information 172, content information 174, merchant / store information 176, condition information 178 (details described later), linkage information 180 (details described later), and consideration information 182 (details described later).

[0022] The communication unit 110 is a communication interface for connecting to a network NW. The communication unit 110 is, for example, a network interface card.

[0023] The content provider unit 120, for example, has the functionality of a web server and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10 or the second store terminal device 70. The content provider unit 120 reads the necessary content from the content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs from the user with the content being played by the payment application 20 and transmits the aforementioned payment information to the payment server 100. The above content may also be generated by the payment application 20. In this case, the content provider unit 120 provides the payment application 20 with the information necessary for generating the content.

[0024] The payment processing unit 130 performs payment processing based on payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0025] [User information] Figure 5 shows an example of the contents of User Information 172. User Information 172 is an example of user registration information. User Information 172 includes, for example, user URL, account ID, telephone number, password, as well as information such as email address, user ID, name, address, date of birth, registration date, charge balance, credit payment settings, credit payment limit, credit payment amount, available credit payment amount, payment method settings, bank account, credit card number, charge history information, payment history information, and eKYC information. The user URL is used for money transfer processing between users. When registering for a new electronic payment service, registration of a telephone number and password is mandatory. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can set at will (or does not have to set). Similarly, the email address and name, address, and date of birth are also information that the user can set at will (or does not have to set). The registration date is the date the user registered for the electronic payment service (the date the account was created). Hereafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account.

[0026] The charge balance is information indicating the balance of electronic money set by the user by sending money to their account in advance. Methods of sending money include sending from an ATM (Automatic Teller Machine) of a designated provider (bank) and sending from a registered bank account. The credit payment setting indicates whether or not the user has completed the settings to enable electronic payments by credit card, and is set to either "Completed" or "Not Completed". The credit payment limit is the monthly limit for credit payments, the credit payment amount is the amount already used for credit payments in the current month, and the available credit payment amount is the amount available for credit payments in the current month, calculated by subtracting the credit payment amount from the credit payment limit. While the diagram shows only one credit payment limit, in reality there are also daily limits, and the lower of these may be set as the credit payment limit. Further details on credit payments will be described later. The payment method setting indicates whether the user will use electronic payment with the charge balance or payment by credit card at that time. The bank account and credit card number information, respectively, refers to the bank account or credit card number (account number, card number) to which funds can be deposited into the electronic payment service. The charge history information is a record of when the user has previously sent money to the electronic payment service to increase the charge balance. The payment history information shows the details of each payment made by the user (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.). The account ID in user information 172 may be associated with a one-time code issued to the user (for example, the most recently issued one-time code).

[0027] eKYC information includes whether or not eKYC has been implemented and user information obtained through eKYC. User information includes name, address, age, etc.

[0028] [Franchise / Store Information] Figure 6 shows an example of the contents of the merchant / store information 176. The merchant / store information 176 includes, for example, a first table 176A in which the merchant ID and store ID are associated with the store URL, a second table 176B in which the merchant name and sales amount (as described above) are associated with the merchant ID, and a third table 176C in which the store name is associated with the store ID. In addition to this information, the merchant / store information 176 may also include information such as the merchant or store category, the store's location, and payment patterns.

[0029] [Electronic payment] When the payment processing unit 130 obtains payment information from the user terminal device 10 or the first store terminal device 50, it refers to the user information 172 to obtain the user's "payment method setting". For users whose "payment method setting" is set to "charge balance", the payment processing unit 130 performs electronic payment as follows. For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance, which is managed in association with the user ID, and increasing the value of the merchant's sales proceeds item. The merchant's sales proceeds item value is not used as electronic money itself, for example, but the amount corresponding to the sales proceeds item value is transferred to the bank account in a cycle according to the agreement between the merchant and the electronic payment service. The merchant may receive the sales proceeds as electronic money. In this case, the payment server 100 manages the account (wallet) corresponding to the merchant ID, the electronic money balance of the account, and the sales proceeds history for each payment method in association.

[0030] The payment processing unit 130 performs electronic payment as follows for users whose "settings information" is set to "credit payment". Credit payment is a payment method in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and allows electronic payment that does not depend on the charge balance within the credit limit. In order to use the credit payment service, it may be required to obtain a credit card provided by the operator of the electronic payment service. The payment processing unit 130 adds the payment amount to the credit payment usage amount in the user information 172 and subtracts the above payment amount from the available credit payment amount. If the payment amount exceeds the available credit payment amount, an error notification is sent back to the payment app. The amount used by credit payment is settled, for example, in a lump sum for one month on the payment date of the following month, for example, by direct debit from a bank account. This processing is performed by the operator of the credit card company.

[0031] The Information Management Unit 140 acquires information provided by other server devices and terminal devices. Based on the information acquired from the user terminal device 10 and the second store terminal device 70, the Information Management Unit 140 manages user information 172 and affiliated store / store information 176. The Information Management Unit 140 performs operations such as adding, editing, and deleting new records for user information 172 and affiliated store / store information 176.

[0032] The determination unit 150 determines whether the user information 172, which is associated with the user identification information stored in the storage unit 170 managed by the electronic payment service, satisfies the set conditions. The set conditions are defined in the condition information 178.

[0033] Figure 7 shows an example of the contents of condition information 178. Condition information 178 is information to which conditions are associated with, for example, the merchant ID or the identification information of the service server 200. The conditions are those defined by the service administrator. For example, the conditions are that eKYC is implemented and the age is above a certain level (for example, 20 years of age or older). Condition information 178 may also include information to which the merchant ID is subject to account linking or is subject to web payment.

[0034] The processing unit 160 adds the compensation for the determination to a different service (service server 200) if at least the above determination satisfies the set conditions.

[0035] The service server 200 is a device that provides predetermined services to users. These predetermined services include the sale of goods and services. For example, predetermined services include the sale of lottery tickets and the sale of betting tickets for public gambling. For example, lottery tickets and betting tickets can be purchased by users who have undergone identity verification and are above a certain age. The service server 200 displays an interface screen for purchasing the lottery tickets and betting tickets on the display unit of the user terminal device 10, and provides betting tickets to users according to the information entered into the interface screen.

[0036] [overview] The payment server 100 information management unit 140 receives a request to confirm whether the user meets the setting conditions specified in a service different from the electronic payment service. The different service is a service provided by the service server 200. The request to confirm the setting conditions may be, for example, a request for account linking to link the account of the different service with the account of the electronic payment service, or a request for payment by web payment, etc.

[0037] The determination unit 150 of the payment server 100 determines whether the user information associated with the user identification information stored in the storage unit 170 managed by the electronic payment service satisfies the set conditions. The user identification information can be any information that can identify a user, such as an account ID or user ID. The payment server 100, in response to a request, cooperates with one or both of the service server 200 and the payment application 20 to identify the user corresponding to the request. For example, the service server 200 or the payment application 20 provides the payment server 100 with information to identify the user corresponding to the request. Account linking may be performed by, for example, a known technology. The processing unit 160 of the payment server 100 adds the consideration for the determination to different services if the determination satisfies the set conditions. The processing unit 160 adds the consideration on the condition that the user information 172 is determined to satisfy the set conditions. Adding means charging for the service or requesting payment for the service. These may be calculated as a cumulative total over a predetermined period and billed together, or billed each time.

[0038] For example, the payment server 100 links the service account of the service server 200 with the account of the electronic payment service, and adds the payment amount when the accounts are linked. The payment amount is added on the condition that the accounts are linked. When the payment server 100 performs account linking, it generates linking information 180. Figure 8 shows an example of the contents of the linking information 180. The linking information 180 is information that associates, for example, the service identification information of the service server 200, the user identification information of the electronic payment service, and the linking identification information for the combination of these. The service identification information of the service server 200 may be a merchant ID, or it may be any identification information that can identify the service. The service identification information of the service server 200 may also be identification information for identifying users managed in the service of the service server 200. The linking identification information is provided to the service server 200. The service server 200 manages the linking identification information by associating it with the identification information for identifying users managed in the service of the service server 200. The linking identification information is shared and account linking is performed.

[0039] [Account linking process] Figure 9 is a diagram illustrating the account linking process. When the service server 200 receives an account linking request, the payment server 100 obtains the user identification information of the user to be linked for the electronic payment service, and refers to the user information 172 of the obtained user identification information to determine whether the user has been verified and whether the age requirements are met. If these conditions are met, the payment server 100 generates the linking information 180 as described above and completes the account linking. Once account linking is complete, the payment server 100 uses the user's account for the electronic payment service to perform electronic payment in the service server 200's payment process. For example, when a user uses their electronic payment service account to perform electronic payment in the service, the service server 200 sends a payment request containing the user's linking identification information to the payment server 100. When the payment server 100 receives the payment request sent from the service server 200, it identifies the user's account based on the linking identification information included in the payment request and performs electronic payment for the specified amount to the service server 200. Once account linking is performed, the payment server 100 can perform electronic payments smoothly without having to perform account linking again.

[0040] Furthermore, during the account linking process or when making a payment after account linking, the user may be required to log in to the electronic payment service so that their account can be identified. Alternatively, the account linking request may be sent from the user's payment application 20 or user terminal device 10. As described above, account linking is requested by the service server 200, payment application 20, or user terminal device 10 through an operation on the user's interface screen.

[0041] If the user has not been verified, the user operates the user terminal device 10 to request the service server 200 or payment server 100 to perform eKYC. The mini-application 30 is then launched, and the user operates the mini-application 30 to communicate with the payment server 100 and perform identity verification. Once identity verification is complete, or if no eKYC request is made, the service screen of the service server 200 is displayed on the display unit of the user terminal device 10.

[0042] Figure 10 shows the interface screen IF1 that the service server 200 displays on the display unit of the user terminal device 10. Interface screen IF1 is, for example, a screen for registering a payment method for service A provided by the service server 200. When the user selects an electronic payment service as the payment method on interface screen IF1 and operates the authentication button, the payment server 100 provides a screen for entering the account ID of the electronic payment service. Once the user enters the account ID, the payment server 100 displays interface screen IF2.

[0043] Figure 11 shows the interface screen IF2. The interface screen IF2 includes information indicating that user information 172 managed by the electronic payment service is to be provided to the service server 200, and that payment in service A of the service server 200 is to be set to the electronic payment service. When the user confirms the information on the interface screen IF2 and operates the consent button, the verification of whether the user has been verified and age verification as described in Figure 9 are performed, and the account is linked. Once the account is linked, information indicating that the account has been linked is displayed on the display unit of the user terminal device 10.

[0044] If identity verification has not been completed, the interface screen IF3 shown in Figure 12 will be displayed. Interface screen IF3 includes information indicating that identity verification is required and a button for performing identity verification.

[0045] When the button for identity verification is pressed, the interface screen IF4 shown in Figure 13 is displayed. Interface screen IF4 is a screen displayed by, for example, the mini-app 30, and is a screen for verifying identity using identity verification documents. The user can perform identity verification by operating the mini-app 30.

[0046] During age verification, if the user does not meet the age requirement specified in Service A, the interface screen IF5 shown in Figure 14 is displayed. Interface screen IF5 is a screen displayed, for example, by the payment application 20 (payment server 100), and includes information indicating that the age requirement is not met. Note that when changing the payment method, the process shown in Figure 9 and the interface screen IF1 shown in Figure 10 may also be displayed.

[0047] [flowchart] Figure 15 is a flowchart illustrating an example of the processing flow performed by the service server 200 and the payment server 100. First, the service server 200 sends an account linking request to the payment server 100 in response to the user's operation (S100). Next, the payment server 100 identifies the user of the electronic payment service based on the account ID obtained based on the user's operation in response to the account linking request (S200). By identifying the user, the payment server 100 obtains the user's user information 172.

[0048] Next, the payment server 100 determines whether the user has already been verified (S202). If the user has not been verified, the payment server 100 displays an identity verification error screen on the display unit (S204). Furthermore, the payment server 100 displays a screen on the display unit for performing identity verification based on the user's actions (S206). If identity verification is successful, the process proceeds to the next step. If identity verification is unsuccessful, the service screen is displayed.

[0049] Next, the payment server 100 determines whether the user's age meets the requirements (S208). If the age does not meet the requirements (if the age cannot be verified), the payment server 100 displays an age verification error screen on the display unit (S210) and then displays the service screen (S212).

[0050] If the age requirement is met (age can be verified), the payment server 100 displays the account linking completion screen on the display unit (S214). Next, the payment server 100 adds the consideration for the above process to the service provider of the service server 200 (S216). For example, the consideration information 182 shown in Figure 16 is generated by the payment server 100. Figure 16 is a diagram showing an example of the contents of the consideration information 182. The consideration information 182 is information to which the consideration is associated with the merchant ID, the identification information of the service server 200, and the identification information of the service. In addition to the consideration, the consideration information 182 may also be associated with the user identification information that was the target of the processing for the consideration. The consideration may also be associated for each payment ID. Note that the addition of the consideration at the time of linking may be omitted and added at the time of payment.

[0051] As described above, the payment server 100 can determine conditions simply and accurately while considering the load of the determination process by linking with the service server 200's services and accounts. For example, the payment server 100 can allow the service server 200 to omit the management of user information and determination, thereby supporting the service server 200 in providing its services.

[0052] The payment server 100 may add the aforementioned fee if, after determining that the user information satisfies the aforementioned setting conditions, an electronic payment is made in response to a payment request for the electronic payment service for the service. Specifically, after account linking is completed, the payment server 100 accepts a payment request for the electronic payment service for the service and adds the aforementioned fee for each electronic payment. For example, a predetermined percentage of the payment amount of the payment request is added as a fee. In this case, a fee is paid to the electronic payment service for each payment.

[0053] For example, the payment server 100 may manage user identification information that has been verified for identity and age in response to a request from the service server 200, and when a user of said user identification information makes a payment, a payment fee on the payment amount and the above-mentioned fees for identity and age verification may be added for each payment.

[0054] [Web Payment] When the payment server 100 obtains user identification information for identifying a user of the electronic payment service and a payment request for the electronic payment service for the electronic payment service, it determines whether the user information associated with the user identification information stored in the storage unit 170 managed by the electronic payment service satisfies the setting conditions associated with the service stored in the storage unit 170. If the setting conditions are met, the payment server 100 adds the consideration to the electronic payment. For example, a predetermined percentage of the consideration is added to the payment amount of the payment request.

[0055] Figure 17 is a diagram illustrating the processing of web payments. When a user presses the payment button for the electronic payment service on the interface screen provided by the service server 200, the payment instruction is obtained from the service server 200 or the payment application 20. The payment server 100 obtains the user identification information for the electronic payment service of the target user based on the user identification information (e.g., account ID) obtained based on the user's operation. The payment server 100 refers to the user information 172 of the obtained user identification information to determine whether the user has been verified and whether they meet the age requirements. If these conditions are met, the payment server 100 performs the electronic payment using the user's account for the electronic payment service.

[0056] If the user has not been verified, the user operates the user terminal device 10 to request the service server 200 or payment server 100 to perform eKYC. The mini-application 30 is then launched, and the user operates the mini-application 30 to communicate with the payment server 100 and perform identity verification. Once identity verification is complete, or if no eKYC request is made, the service screen of the service server 200 is displayed on the display unit of the user terminal device 10.

[0057] Figure 18 shows the interface screen IF11 that the payment server 100 displays on the display unit of the user terminal device 10 when the payment button is pressed. For example, the payment server 100 works in cooperation with the service server 200 to display the interface screen IF11 on the display unit. The interface screen IF11 is an interface screen for inputting user identification information for the electronic payment service. When user identification information is entered on the interface screen IF11 and a predetermined operation is performed, the payment server 100 displays the interface screen IF12. For example, the determination of whether the user has been verified and age verification as described in Figure 17 above are performed and the interface screen IF12 is displayed.

[0058] Figure 19 shows the interface screen IF12. The interface screen IF12 displays information such as the payment amount for service A, the payment method for the electronic payment service, and a payment button. The payment server 100 exchanges information with the service server 200 and the payment application 20 to obtain the payment amount and information about service A (e.g., merchant ID), and displays the interface screen IF12 on the display unit based on the obtained information. When the user confirms the information on the interface screen IF12 and operates the payment button, the payment server 100 displays the interface screen IF13 on the display unit.

[0059] Figure 20 shows the interface screen IF13. Interface screen IF13 displays information such as whether the electronic payment for service A has been completed, and the payment amount.

[0060] If identity verification has not been completed, the interface screen IF3 shown in Figure 12 will be displayed. Interface screen IF3 includes information indicating that identity verification is required and a button for performing identity verification.

[0061] In age verification, if the user does not meet the age requirement specified in Service A, the interface screen IF5 shown in Figure 14 above will be displayed. Interface screen IF5 is a screen displayed by, for example, the payment server 100 (payment server 100), and includes information indicating that the user's age does not meet the requirements.

[0062] [flowchart] Figure 21 is a flowchart showing an example of the processing flow performed by the service server 200 and the payment server 100. First, the service server 200 sends a payment request to the payment server 100 in response to the user's operation (S100#). The request may also be sent by the payment application 20. Next, the payment server 100 identifies the user of the electronic payment service based on the account ID obtained based on the user's operation in response to the payment request (S200#). By identifying the user, the payment server 100 obtains the user's user information 172. The processing from S202 to S212 is the same as the processing with the same step numbers in Figure 15.

[0063] If the age requirement is met (age can be verified), the payment server 100 displays the payment screen on the display unit (S214#). When the payment button is pressed, the payment server 100 executes the payment and adds the consideration for the above process to the service provider of the service server 200 (S216). For example, the consideration information 182 shown in Figure 16 above is generated by the payment server 100.

[0064] As described above, the payment server 100 can easily and accurately determine conditions in web payments while taking into account the load of the determination process. For example, the payment server 100 can eliminate the need for the service server 200 to manage user information and perform determinations, thereby supporting the service server 200 in providing its services.

[0065] [Providing information] The payment server 100 receives a request from the service server 200, which provides the different services, to provide the user information of the user managed by the electronic payment service. When the payment server 100 provides the user information, it adds the fee for the provision to the different service.

[0066] When a user accesses the service server 200, the service server 200 displays the interface screen IF21 shown in Figure 22 on the display unit of the user terminal device 10. The interface screen IF22 is a screen for verifying the user's identity. For example, if a user tries to purchase a voting ticket, which is a service provided by the service server 200, this interface screen will be displayed.

[0067] For example, if a user chooses to perform identity verification for an electronic payment service (i.e., requests to use an electronic payment service), the payment application 20 displays interface screen IF22. For example, the user provides identification information such as an account ID to the payment server 100. If the user agrees to account linking, the payment server 100 provides user information 172, which is the user's account ID, to the service server 200. The service server 200 performs identity verification based on the provided user information 172. For example, the service server 200 determines whether the user has been verified and whether the user's age meets the requirements based on the information provided to the payment server 100, and determines that the user has been verified if the determination is positive. In this case, the service server 200 displays interface screen IF23 on the display unit. This allows the user to purchase voting tickets on the service server 200. The payment server 100 adds the payment to the service server 200 in response to the provision of user information 172.

[0068] [flowchart] Figure 23 is a flowchart illustrating an example of the processing flow performed by the service server 200 and the payment server 100. First, the payment server 100 and the service server 200 perform account linking in response to user operations (S500). Next, the payment server 100 identifies the user of the electronic payment service based on the account ID obtained based on the user operations (S600). By identifying the user, the payment server 100 obtains the user's user information 172.

[0069] Next, the settlement server 100 provides the user information 172 to the service server 200 (S602). Then, the settlement server 100 adds the fee for providing the user information 172 to the service provider of the service server 200 (S604). This step may be omitted.

[0070] The service server 200 verifies the user's identity and age based on the provided user information 172 (S502, 504). If the user's identity verification is complete, the service server 200 displays an interface screen indicating the completion of identity verification on the display unit of the user terminal device 10.

[0071] If the user's identity has not been verified, the service server 200 may request the payment server 100 to verify the user's identity, depending on the user's actions. If the payment server 100 has verified the user's identity in response to the request, it will provide the service server 200 with the verification information (S606). Next, the payment server 100 will add the fee for the above identity verification process to the service provider of the service server 200 (S508). This process may be omitted. Either or both of the processes in S604 and S608 may be performed.

[0072] If the age requirement is met (age can be verified), the service server 200 displays information on the display unit indicating that it cannot provide the service.

[0073] As described above, the payment server 100 can assist the service server 200 in providing services or in determining conditions by providing user information to the service server 200.

[0074] [Regarding compensation] The payment server 100 adds a fee for one or both of the above-mentioned identity verification and age verification processes in addition to the payment fee. For example, the payment fee may be ○ percent of the payment amount, and the fee for the specific processing may be △ percent of the payment amount. For example, if a service becomes available to users to purchase services using an electronic payment service through identity verification and age verification using the payment server 100, the fee may be calculated based on the increased sales information of the service. For example, as shown in the left diagram of Figure 24, the fee may be a predetermined percentage of the gross profit obtained by subtracting expenses from the increased sales of the electronic payment service after deducting cannibalization. The fee rate on the payment amount may be determined based on this fee. The above calculation may be performed by the payment server 100. For example, the payment server 100 may obtain the gross profit amount and calculate the fee from the gross profit amount.

[0075] Furthermore, as shown in the right-hand diagram of Figure 24, the fee may be calculated based on the amount by which the service cost has been reduced. For example, if a service reduces costs by omitting its own processing by utilizing the identity verification and age verification services of an electronic payment service, the fee may be calculated based on the cost reduction. For example, the fee rate on the settlement amount may be calculated based on this fee. The above calculation may be performed by the settlement server 100. For example, the settlement server 100 may obtain the cost and calculate the cost reduction amount and the fee based on the cost.

[0076] According to the other embodiments described above, the payment server 100 receives a request to confirm whether a user meets the setting conditions defined by a service different from the electronic payment service, determines whether the user information associated with the user identification information stored in the memory unit managed by the electronic payment service meets the setting conditions, and adds a fee for the determination to the different service if at least the determination satisfies the setting conditions, thereby enabling the determination of conditions to be made simply and accurately while considering the burden of the determination. For example, by using this determination to make an electronic payment, it is possible to support payments that provide goods or services to users that match the intentions of the merchant, and the administrator of the electronic payment service server can receive a fee for this.

[0077] Although embodiments for carrying out the present invention have been described above using examples, the present invention is not limited in any way to these embodiments, and various modifications and substitutions can be made without departing from the spirit of the present invention. [Explanation of Symbols]

[0078] 10. User terminal device 20 Payment Apps 100 Payment Servers 120 Content Provision Department 130 Payment Processing Unit 140 Information Management Department 150 Judgment section 160 Processing Unit 178 Condition Information 180 Linkage Information 182 Compensation Information

Claims

1. An acquisition unit that obtains a request to confirm whether the user meets the setting conditions defined by a service different from the electronic payment service, service identification information for identifying the said different service, and user identification information for identifying the user of the said electronic payment service, A determination unit that determines whether user information associated with user identification information stored in a storage unit managed by the electronic payment service satisfies the setting conditions associated with service identification information stored in the storage unit, The system includes a processing unit that adds a fee for the determination to the different service if the determination satisfies the setting conditions, The request to confirm the aforementioned setting conditions is a request for account linking, which links the accounts of the different services with the accounts of the electronic payment service. The aforementioned processing unit, After it is determined that the user information satisfies the setting conditions, account linking is performed to associate the account of the different service with the account of the electronic payment service. The aforementioned fee will be added on the condition that the aforementioned account has been linked. Information processing device.

2. An acquisition unit that obtains a request to confirm whether the user meets the setting conditions defined by a service different from the electronic payment service, service identification information for identifying the said different service, and user identification information for identifying the user of the said electronic payment service, A determination unit that determines whether user information associated with user identification information stored in a storage unit managed by the electronic payment service satisfies the setting conditions associated with service identification information stored in the storage unit, A processing unit that, if the determination satisfies the setting conditions, adds the consideration for the determination to the different service in accordance with the electronic payment of the electronic payment service for the different service, An information processing device equipped with the following features.

3. An acquisition unit that obtains a request to confirm whether the user meets the setting conditions defined by a service different from the electronic payment service, service identification information for identifying the said different service, and user identification information for identifying the user of the said electronic payment service, A determination unit that determines whether the user information obtained by the identity verification process associated with the user identification information stored in the storage unit managed by the electronic payment service satisfies the setting conditions associated with the service identification information stored in the storage unit, A processing unit that adds the consideration for the determination to the different service if the determination satisfies the setting conditions, An information processing device equipped with the following features.

4. An acquisition unit that obtains a request to confirm whether the user meets the setting conditions defined by a service different from the electronic payment service, service identification information for identifying the said different service, and user identification information for identifying the user of the said electronic payment service, A determination unit that determines whether user information associated with user identification information stored in a storage unit managed by the electronic payment service satisfies the setting conditions associated with service identification information stored in the storage unit, The system includes a processing unit that adds a fee for the determination to the different service if the determination satisfies the setting conditions, The aforementioned processing unit, After it is determined that the user information satisfies the setting conditions, When an electronic payment is made in response to a payment request for the aforementioned service using the electronic payment service, the aforementioned consideration shall be added. Information processing device.

5. The request to confirm the aforementioned setting conditions is a request for account linking, which links the accounts of the different services with the accounts of the electronic payment service. The aforementioned processing unit, After it is determined that the user information satisfies the setting conditions, account linking is performed to associate the account of the different service with the account of the electronic payment service. After the account is linked, the system accepts payment requests for electronic payments using the electronic payment service for the service, and adds the aforementioned consideration for each electronic payment. The information processing apparatus according to claim 4.

6. An acquisition unit that obtains a request to confirm whether the user meets the setting conditions defined by a service different from the electronic payment service, service identification information for identifying the said different service, and user identification information for identifying the user of the said electronic payment service, A determination unit that determines whether user information associated with user identification information stored in a storage unit managed by the electronic payment service satisfies the setting conditions associated with service identification information stored in the storage unit, The system includes a processing unit that adds a fee for the determination to the different service if the determination satisfies the setting conditions, When the acquisition unit acquires user identification information for identifying the user of the electronic payment service and a settlement request for electronic payment of the electronic payment service for the service, The aforementioned processing unit, The system determines whether the user information associated with the user identification information stored in the storage unit managed by the electronic payment service satisfies the setting conditions associated with the service stored in the storage unit. If the above setting conditions are met, the above consideration is added to the electronic payment. Information processing device.

7. The processing unit adds a predetermined percentage of consideration to the settlement amount of the settlement request. The information processing apparatus according to claim 5 or 6.

8. The aforementioned setting conditions are that the age is a specified age, or that identity verification has been completed and the age is a specified age. The information processing apparatus according to any one of claims 1 to 6.

9. The acquisition unit acquires a request from the server device providing the different service for the provision of user information of the user managed by the electronic payment service. The processing unit, when it provides the user information, adds the fee for the provision to the different service. The information processing apparatus according to any one of claims 1 to 6.

10. Computers A request is made to confirm whether the user meets the setting conditions defined by a service different from the electronic payment service, service identification information for identifying the said different service is obtained, and user identification information for identifying the user of the said electronic payment service is obtained. The system determines whether the user information associated with the user identification information stored in the storage unit managed by the electronic payment service satisfies the setting conditions associated with the service identification information stored in the storage unit. If the determination satisfies the setting conditions, the consideration for the determination is added to the different service. The request to confirm the aforementioned setting conditions is a request for account linking, which links the accounts of the different services with the accounts of the electronic payment service. After it is determined that the user information satisfies the setting conditions, account linking is performed to associate the account of the different service with the account of the electronic payment service. The aforementioned fee will be added on the condition that the aforementioned account has been linked. Information processing methods.

11. On the computer, A request is made to confirm whether the user meets the setting conditions defined by a service different from the electronic payment service, to obtain service identification information for identifying the said different service, and to obtain user identification information for identifying the user of the said electronic payment service. The system determines whether the user information associated with the user identification information stored in the storage unit managed by the electronic payment service satisfies the setting conditions associated with the service identification information stored in the storage unit. If the determination satisfies the setting conditions, the consideration for the determination shall be added to the different service. The request to confirm the aforementioned setting conditions is a request for account linking, which links the accounts of the different services with the accounts of the electronic payment service. After it is determined that the user information satisfies the setting conditions, account linking is performed to associate the account of the different service with the account of the electronic payment service. The aforementioned fee will be added on the condition that the aforementioned account has been linked. program.

12. Computers A request is made to confirm whether the user meets the setting conditions defined by a service different from the electronic payment service, service identification information for identifying the said different service is obtained, and user identification information for identifying the user of the said electronic payment service is obtained. The system determines whether the user information associated with the user identification information stored in the storage unit managed by the electronic payment service satisfies the setting conditions associated with the service identification information stored in the storage unit. If the determination satisfies the setting conditions, the consideration for the determination is added to the different service in accordance with the electronic payment of the electronic payment service for the different service. Information processing methods.

13. On the computer, A request is made to confirm whether the user meets the setting conditions defined by a service different from the electronic payment service, to obtain service identification information for identifying the said different service, and to obtain user identification information for identifying the user of the said electronic payment service. The system determines whether the user information associated with the user identification information stored in the storage unit managed by the electronic payment service satisfies the setting conditions associated with the service identification information stored in the storage unit. If the determination satisfies the setting conditions, the consideration for the determination is added to the different service in accordance with the electronic payment of the electronic payment service for the different service. program.

14. Computers A request is made to confirm whether the user meets the setting conditions defined by a service different from the electronic payment service, service identification information for identifying the said different service is obtained, and user identification information for identifying the user of the said electronic payment service is obtained. The user information obtained through identity verification processing associated with the user identification information stored in the storage unit managed by the electronic payment service determines whether the user information satisfies the setting conditions associated with the service identification information stored in the storage unit. If the determination satisfies the setting conditions, the consideration for the determination is added to the different service. Information processing methods.

15. On the computer, A request is made to confirm whether the user meets the setting conditions defined by a service different from the electronic payment service, to obtain service identification information for identifying the said different service, and to obtain user identification information for identifying the user of the said electronic payment service. The electronic payment service determines whether the user information obtained through identity verification processing associated with the user identification information stored in the storage unit managed by the electronic payment service satisfies the setting conditions associated with the service identification information stored in the storage unit. If the determination satisfies the setting conditions, the consideration for the determination is added to the different service. program.

16. Computers A request is made to confirm whether the user meets the setting conditions defined by a service different from the electronic payment service, service identification information for identifying the said different service is obtained, and user identification information for identifying the user of the said electronic payment service is obtained. The system determines whether the user information associated with the user identification information stored in the storage unit managed by the electronic payment service satisfies the setting conditions associated with the service identification information stored in the storage unit. If the determination satisfies the setting conditions, the consideration for the determination is added to the different service. After it is determined that the user information satisfies the setting conditions, When an electronic payment is made in response to a payment request for the aforementioned service using the electronic payment service, the aforementioned consideration shall be added. Information processing methods.

17. On the computer, A request is made to confirm whether the user meets the setting conditions defined by a service different from the electronic payment service, to obtain service identification information for identifying the said different service, and to obtain user identification information for identifying the user of the said electronic payment service. The system determines whether the user information associated with the user identification information stored in the storage unit managed by the electronic payment service satisfies the setting conditions associated with the service identification information stored in the storage unit. If the determination satisfies the setting conditions, the consideration for the determination shall be added to the different service. After it is determined that the user information satisfies the setting conditions, When an electronic payment is made in response to a payment request for the aforementioned service using the electronic payment service, the aforementioned consideration shall be added. program.

18. Computers A request is made to confirm whether the user meets the setting conditions defined by a service different from the electronic payment service, service identification information for identifying the said different service is obtained, and user identification information for identifying the user of the said electronic payment service is obtained. The system determines whether the user information associated with the user identification information stored in the storage unit managed by the electronic payment service satisfies the setting conditions associated with the service identification information stored in the storage unit. If the determination satisfies the setting conditions, the consideration for the determination is added to the different service. When user identification information for identifying the user of the electronic payment service and a settlement request for electronic payment of the electronic payment service for the service are obtained, The system determines whether the user information associated with the user identification information stored in the storage unit managed by the electronic payment service satisfies the setting conditions associated with the service stored in the storage unit. If the above setting conditions are met, the above consideration is added to the electronic payment. Information processing methods.

19. On the computer, A request is made to confirm whether the user meets the setting conditions defined by a service different from the electronic payment service, to obtain service identification information for identifying the said different service, and to obtain user identification information for identifying the user of the said electronic payment service. The system determines whether the user information associated with the user identification information stored in the storage unit managed by the electronic payment service satisfies the setting conditions associated with the service identification information stored in the storage unit. If the determination satisfies the setting conditions, the consideration for the determination shall be added to the different service. When user identification information for identifying the user of the electronic payment service and a settlement request for electronic payment of the electronic payment service for the service are obtained, The system determines whether the user information associated with the user identification information stored in the storage unit managed by the electronic payment service satisfies the setting conditions associated with the service stored in the storage unit. If the above setting conditions are met, the above consideration is added to the electronic payment. program.

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